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I have little pitty for people that live paycheck to paycheck due to their own bad spending and complain about not having money.

“No one ever taught me to budget/save”

Well, you want to save money but end up spending everything. How about you simply don’t buy as much stuff you don’t need?

what about people who live paycheck to paycheck because rent is 950/month and they only earn 250 a week?

What? Can’t you fit $300 in a sock?

Aside the point. when you try to pay but its all in the sock so you give them the sock and all they get is the sock, which is not valid tender afaik

That is definitely different. My point was for people who could easily save and don’t because they spend it all after meeting all their needs

I get that this might work for the out of sight out of mind crowd. But if I reach for that sock, I don't just have a sock, I have a sock with $300.

Yeah I get you, I've made a habit of asking people that question as it's the reality for a lot of people where I'm from, and most people I know who state they live paycheck to paycheck are in that situation

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But you can just…take the cash out of the sock?

I am struggling to understand this.

or, the cashier will take the sock off the cash, and then all they will get is the sock.

I believe the money does not get out of the sock at all, so people don’t spend it.

Maybe OP is afraid of touching his socks because they're all krusty

Did you think you were posting in r/SLPT

I had a conversation with someone about this a while ago. I said, when I was first starting out in life, I would get paid, take care of my expenses, and then if I made it to the next check with any money left over, I'd mentally lock that money away. It didn't even go in another account, but it just wasn't spending money anymore, because I'd already proven I didn't need it. They said, "oh, when that happened to me, it meant I could spend all of the remaining money on garbage, because I'd already proven I didn't need it." Same exact line of thinking, opposite conclusion and action.

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My advice to him was dont take/lock card so cant be easily used

Take cash to the amount you want to spend and you cant go over it

What the fuck is up with these LPT lately? I feel like I’m taking crazy pills.

I'm more of a, "I never have $300," kinda person

Oh man you should've seen the sub two years ago. All the LPTs had a sock on them, so if you tried to take the LPT, all you would get is the sock

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I make decent money but still spend like I did when I was making 45-50K a year.

I was able to cover my expenses then and still live pretty comfortably. Stuff could be a bit tight, but never to the point where I had concern about not being able to do/buy something I wanted/needed.

To this, I also believe making more money does not mean you should spend more money. I will drive a nice Toyota RAV4 rather than having a BMW SUV.

I will buy a $300,000 house rather than a $700,000 house.

I won’t eat out any more often than I do (which I rarely do anyway).

I will comfortably buy wants and treat myself slightly more often, but otherwise I’m all about saving.

$5 a day is $1,800 a year. Not buying a coffee/snack every day literally allows me to go on a vacation and possibly still not spend as much as buying a $5 drink/snack every day lol.

I love reporting “LPTs” like this. You should try it—fun!

The vote count is already at 0 but I’m downvoting anyway

What if the person has mental ilness that makes them impulsive in money spending. Sure, still their own fault but you but be more forgiving.

LPT normies don't get the meme.

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